Sure, but I think people are realizing how valuable the hardest money in the universe actually is and what a premium it is to be able to store your money on it really is. The security of it is that good. If you can compromise on that, you can save money in exchange for risk. For example, using Liquid or some other side chain system. I'm not saying Liquid is as good as on-chain BTC.

But it's like telling someone that it's probably healthier to eat this $50 grass fed steak rather than the $2 soybean veggie patty. It doesn't help if they can't afford such premium food and can only afford $2. So, you make do with what you can afford. I don't know if that's a sign of a broken system, but maybe just a sign of the reality of the highest level of security in the universe. And maybe we ALL don't need it, but certainly it's pretty damn awesome that we can get a piece of that security today.

So keep your liquid funds in something, and if you're literally broke AF, and even Liquid fees are killing you, then you might have to go custodial. But work your way towards something non-custodial. And I don't think you really have to go non-custodial. I think there will always be some weird but viable and properly running side chain you can use. Not a fan of those side chains, but they are better than custodial crap.